I need debt advice. SOON!?

Hi, I need somebody who is money wise to give me some advice on what I should do. I am 22 and really messed up and racked up a lot of debt. My parents don't know and if they did it would NOT be good. Here is what I owe: $300-Credit Card $1200-Pay Day Loans Here is what I have: $1500-401k $300-Stocks $100-In... show more Hi,
I need somebody who is money wise to give me some advice on what I should do. I am 22 and really messed up and racked up a lot of debt. My parents don't know and if they did it would NOT be good.

Here is what I owe:
$300-Credit Card
$1200-Pay Day Loans

Here is what I have:
$1500-401k
$300-Stocks
$100-In the bank

Yes I am employed part time but looking for full time work.

Can somebody please help me solve this??
Thanks sooo much!
12 answers 12